How to find every class action settlement you qualify for

By Owed Editorial Team · Published August 10, 2026

The short answer

Check your eligibility against open settlements a few times a year: think through the brands you've used, the data breaches you've been caught in, and the states you've lived in. The average American is owed $345+ per year across settlements, and around $1.2 billion goes unclaimed annually because people never check. A matching service like Owed automates the check in about 2 minutes.

Why you're owed more than you think

Settlement eligibility rarely announces itself. Classes are defined by things you'd never connect to a lawsuit: you subscribed to a streaming service during a certain window, your insurer used a specific valuation report on a totaled car, a period-tracking app you tried in 2018 shared data it shouldn't have.

Notices do go out — administrators email and mail class members — but they land in spam, go to old addresses, or look like junk mail and get tossed. The result: roughly $1.2 billion in settlement money goes unclaimed every year, and the average person leaves $345+ on the table annually.

The manual system

If you want to do this yourself, run through four questions every few months:

1. What breaches have I been in? If you've had an account with a major telecom, credit bureau, or social platform in the last decade, you've likely been in at least one breach with a settlement attached. Search your email for "data breach" and "settlement notice."

2. What subscriptions and services have I used? Streaming, delivery apps, game platforms, subscription boxes — recurring-billing and cancellation practices generate a steady stream of settlements.

3. Where have I lived, and who insured me? Many settlements are state-specific. Two live right now: State Farm's Arkansas total-loss settlement (deadline August 19, 2026) and USAA's Michigan leased-vehicle settlement (deadline October 8, 2026) — see the total-loss insurance guide.

4. What deadlines are coming up? Sort whatever you find by deadline, not payout. A $50 claim closing this month beats a $500 claim you'll forget about. The Flo app privacy settlement, for example, is open until October 15, 2026 — details here.

The honest downsides of doing it manually

Coverage. New settlements open constantly; you'll miss ones that never make the news.
Eligibility fine print. Class definitions have windows and sub-classes that are easy to misread.
Follow-through. Finding a settlement is half the job — you still have to file before the deadline and track the claim afterward.

The automated version

This is the job Owed does. Answer a 2-minute quiz about your accounts, purchases, and history, and we match you against our settlement catalog — with payout estimates, proof requirements, and deadlines in one place, plus filing help and claim tracking after you file.

Check what you qualify for — the eligibility check is free.

FAQ

How often should I check for new settlements?›

A few times a year at minimum. Claim windows typically stay open for a few months, so quarterly checks catch most of them — or use a matching service that watches deadlines for you.

Are settlement matching services legitimate?›

The legitimate ones help you discover eligibility, prepare claims, and track them — payouts always come from the court-appointed administrator. Owed is a claims preparation service, not a law firm; see our reviews page for what customers say.

Can I qualify for a settlement in a state I no longer live in?›

Often yes. What matters is usually where you lived or were insured during the covered window, not where you live today. The State Farm Arkansas settlement covers claims paid from November 2016 to October 2021, for example.

Do I need to be part of the original lawsuit to claim?›

No. If you fit the class definition, you're a class member automatically and can file a claim — that's the entire point of a class action.

Settlements mentioned in this article

Flo Health Data Sharing Settlement

Open — deadline October 15, 2026

Typical payout $60–$300 · Administered by A.B. Data · No proof required

State Farm Arkansas Total-Loss Settlement

Closed

Typical payout $250–$728 · Administered by Rust Consulting · No proof required

Find out what you're owed.

Deadlines pass quietly and most people never file. Take the free 2-minute check and see every settlement you may qualify for.

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